Feefo Trusted Service Award 2018

Heart Conditions Life Insurance

We're the experts so let us do the hard work
Making life insurance and travel insurance
affordable for everyone...

Get a Quote

Heart Conditions life insurance, critical illness cover and income protection

The Insurance Surgery is a leading insurance expert for people living with various medical conditions such as people looking for Heart Conditions life insurance, critical illness cover and income protection. You may already be aware that life insurance is underwritten in the same way as most other insurance products which will be based on your health, lifestyle and other risk factors. Heart Conditions life insurance, critical illness cover and income protection terms can vary dramatically from one insurer to another so it is important to speak to a specialist who can guide you to the most suitable company for your circustances.

Types of Heart Conditions for life insurance, critical illness cover and income protection are:

 

  • Angina
  • Arrhythmia
  • Cardiomyopathy
  • Cardiovascular Disease
  • Coronary Heart Disease
  • Heart Attack
  • Heart Murmur

 

Happy Couple in Field

 

How Heart Conditions life insurance, critical illness cover and income protection works:

There is a vast range of factors to consider across the different types of Heart Conditions when thinking about life insurance, critical illness cover or income protection which include:

  • Age at diagnosis
  • Type of Heart Condition
  • Severity of symptoms
  • Treatment, surgery or medication
  • Any other medical issues

For more information about Heart Conditions life insurance, critical illness cover or income protection you should contact one of our team of experts to help you to protect your family, home or business and to save you money.

 

Heart Conditions life insurance

The range of potential outcomes for any Heart Conditions life insurance applications can be vary dramatically from one insurance provider to another depending on their attitude to risk and whether they have had poor claims experience with your particular condition. Heart Conditions life insurance underwriting will be based on whether you have been recently diagnosed with the issue and you will generally be required to submit or share a copy of your medical records which can be obtained from your GP.

 

Some of the major factors that will be taken in to consideration by underwriters when looking at Heart Conditions life insurance will include:

  • What type of Heart Condition you suffer from or have suffered from
  • Severity of your symptoms or attack(s)
  • How many attacks have you suffered and when
  • What treatment, surgery or medication have you had
  • Do you have any other medical or health problems

Terms for Heart Conditions life insurance can vary from a standard rates decision where the condition is mild or one off episodes / attacks to decline for more severe conditions. If you are looking for advice about Heart Conditions life insurance or if you have applied for cover previously which was declined, postponed or offered on special terms then you should contact one of our expert advisers.

 

Heart Conditions critical illness cover

There are also a number of potential outcomes for Heart Conditions critical illness cover which also includes potential for cover being offered with exclusions such as any cardiovascular related. If your condition is mild or a one-off episode then you should find that Heart Conditions critical illness cover will be available to you without too many problems however there will usually be a requirement to provide a medical report from your GP or specialist.

There are also several issues with Heart Conditions critical illness cover where you may not be accepted, such as:

  • Heart Attack
  • Cardiomyopathy

If you have previously applied for Heart Conditions critical illness cover and you have either struggled to get the cover you were looking for or if you were declined cover altogether then you should speak to one of our advisers.

 

Heart Conditions income protection

There is a possibility that you may be able to get Heart Conditions income protection depending on the type of Heart Condition you have and how severe your condition is. You will find that if your heart condition is mild or moderate then you should be able to get Heart Conditions income protection cover without too many issues.

If your condition is slightly more severe or you have suffered from a Heart Attack then you may find it more difficult to get Heart Conditions income protection. There are also some specialist insurance providers who may be more flexible in terms of underwriting for Heart Conditions income protection which could be more suitable for you.

 

Case Study 1

  • Client: Female
  • Age: 35
  • Smoker status: non-smoker
  • Medical condition: Coarctation of the aorta
  • Cover date: 9th May 2019
  • Product type: Level Term Life insurance
  • Cover amount: £175,000
  • Cover term: 20 years
  • Premium: £20.66

We were approached by this lady on the 14th March 2019 when she completed an enquiry through our website. Our advisor Dan then contacted her to discuss her life insurance needs and her pre-existing medical conditions. At this point she disclosed that she was looking for £175,000 of life cover for 20 years to leave to her dependents should she pass away within that time, and that she was a non-smoker with a heart condition – coarctation of the aorta. She had tried to arrange cover herself but had unfortunately been declined by the providers she approached. Dan then took her information and applied to one of our mainstream providers, securing her £175,000 of cover for 20 years for a monthly premium of £20.66 on the 9th May 2019. There was a delay from her initial application to her cover being accepted due to the fact that the providers asked for a doctor’s report to assess the details around her condition. When a provider asks for a doctor’s report, this can take around 4-6 weeks to be completed (or longer in some cases); which is simply due to the fact that GPs are very busy. Therefore, the wait is actually fairly reasonable.

This is a really good premium given her medical history, and the fact that heart issues can be one of the more challenging conditions for clients to successfully be accepted for cover. Furthermore, the lady was very pleased with the result as she now has peace of mind that her family are protected should anything happen to her within the term of the policy.

Overall, this is a fantastic premium well within the lady’s budget and she was delighted to have been accepted by one of our mainstream providers. We were also over the moon to know that another customer now has the protection that they may have thought was impossible to get. We love helping people get cover and we want to help as many people as we can to do this.

Case Study 2

  • Client: Female
  • Age: 41
  • Smoker status: non-smoker
  • Medical condition(s): Supraventricular tachycardia, anaemia and anxiety
  • Cover date: March 2019
  • Product type: Life insurance and critical illness cover
  • Cover amount: £30,000
  • Cover term: 28 years
  • Premium: £20.04

We were approached by this lady on the 28th January 2019 when she applied to us through our site. Our advisor Suzie then called her back to ask her what her Critical Illness Cover needs were and what pre-existing medical conditions she has. At this point She explained that she has supraventricular tachycardia and had mild anaemia and anxiety, which has never caused her any further issues. She also went on to explain that she was looking for £30,000 of critical illness cover; which would pay out if she became critically ill, for a period of 28 years. Our advisor Suzie then applied to one of our mainstream providers and secured the lady critical illness cover, which also includes life cover as part of the product, for a monthly premium of £20.04. This is a wonderful premium for the lady considering she has a few pre-existing medical conditions; however, these are very mild, and she has had no other complications with them therefore this is reflected in the premium we were able to obtain.

The client was delighted to hear that we have been able to secure her cover, especially critical illness cover as this can be quite difficult to obtain if you already have a pre-existing medical condition.

Overall, we were delighted to have been able to help this lady as she now has peace of mind should she develop a critical illness. She knows that should she develop a critical illness that is covered by the policy she would receive a lump sum payment which would take financial pressure off her while she recovers. Furthermore, we were over the moon to have been able to help this lady, especially with her critical illness cover as it is harder to get this type of cover than it is to get life insurance. We are passionate about protecting families and strive to get as many people the protection that they require, even if they have a high-risk pre-existing medical condition.

Case Study 3

  • Client: Male
  • Age: 43
  • Smoker status: Non-smoker
  • Medical condition: Heart attack, tinnitus, asthma
  • Cover date: 19th June 2019
  • Product type: Level life insurance
  • Cover amount: £300,000
  • Cover term: 18 years
  • Premium: £127.06

We were approached by this gentleman on the 14th March 2019 when he completed an enquiry through our website. Our advisor Alex then called him back to discuss his pre-existing medical conditions and his life insurance needs. At this point he explained that he was looking for £300,000 of cover for an 18-year period, and that he was a non-smoker with asthma, tinnitus, high BMI and he has had a heart attack at the age of 38 that required surgery. Alex then took this information and applied to one of our specialist providers for him due to the age the client suffered his heart attack which meant fewer providers were able to consider offering cover. Despite this, Alex managed to secure him £300,000 of cover for 18 years for a monthly premium of £127.06. This is a fantastic premium considering the client’s medical history and the amount of life cover he required.

Overall, the gentleman was delighted that we have been able to secure him the life insurance that he deserved, and we were able to keep the premiums within his budget as well. We were so pleased that we were able to give the gentleman the peace of mind that he needed, especially as he could be considered to be a more challenging case given the age that he had his heart attack. We love finding cover for people who may have thought that getting protection was impossible, and we want to help as many people as we can to get the protection that they deserve.

 


Independent Reviews at

 

Useful Links

For more information, advice or a quote for Heart Conditions life insurance, critical illness cover and income protection contact The Insurance Surgery today.

 

photo 1449495169669 7b118f960251

The Insurance Surgery Ltd is rated 4.8/5 based on 178 reviews. Read our reviews


'The Insurance Surgery were so fantastic.' I have a complicated health history and always assumed I was ineligible for life insurance. I felt really comfortable talking to Andy and felt like he was giving me all the possible options that would work best for me and my family. Thank you! 4.8

Specialist and Free Advice from a team of experts

Speak to our team of experts to find out how much we can save you today...

Call 0800 083 2829

Monday to Thursday: 8:30am - 8:00pm Friday: 8:30am - 5:00pm

Request a callback

Arrange a callback